Inputs

Set your monthly plan

Monthly contribution, expected annual return, and investment horizon drive the projection. The return rate is an assumption, not a guarantee, so test a range of values to see how sensitive the outcome is.

Monthly SIP

Contribution amount you can change

Projection summary

Total invested

Sum of all monthly contributions

Estimated gain

Growth above invested capital

Estimated value

Projected total at the end of the horizon

How SIP compounding works

Compounding rewards time and consistency

A systematic plan invests a fixed amount at regular intervals. Rupee cost averaging buys more units when prices fall and fewer when they rise, while compounding grows returns on earlier contributions over longer horizons.

Rupee cost averaging

Fixed monthly investments spread purchases across market highs and lows, which can smooth the average cost per unit over time.

Compounding horizons

Longer investment periods give returns more time to build on earlier gains, so the growth curve steepens in later years.

Risk across cycles

Market-linked returns vary and can be negative in some periods. Review your assumptions and risk tolerance before relying on any projection.